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Today while perusing IRS Pub 590, I came across the following statement concerning maximum contributions of Roths coupled with SIMPLEs:

The maximum contribution limit by all contributions (other than employer contributions under SEP or SIMPLE IRA plan) for the year to all IRAs other than Roth IRAs, ...

This year I set up a Roth personally and a SIMPLE at the office. Have I committed a major faux pax (sp?)? Contributions to the SIMPLE are mostly by deduction from paycheck, or in my case as a sole proprietor, a check to TD Waterhouse. The Matching funds are a mere 2% in my case, I haven't sent in that yet.

I guess I am ultimately asking what is meant by "employer contributions"?

Thanks, Susan
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